ZIP Code 94564 — Pinole city, CA Demographics & Data

ZIP code 94564 covers Pinole, CA in Contra Costa County with a population of about 18,835.

At a glance, the area shows median age of 44.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 341, 510; U.S. House district CA-8; the SAN FRANCISCO - OAK - SAN JOSE media market.

Median household income in ZIP 94564 is about $120,833 — about 61% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 3.5%; 38.7% of adults with a bachelor’s degree or higher (about 5.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Retail trade; about 13.7% of workers reporting work-from-home (about 1.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $697,100 — about 100% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,426 (about 109% above the U.S. median rent ($1,163)), and owner-occupancy near 75.9% (about 10.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 94564 in Pinole, CA, a household would need roughly $192,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,478. That is about 59% above the local median household income ($120,833), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Pinole city, CA as Very High (composite score 99.5), which is among the highest nationally. The strongest component scores on US5 are flood (99.5) and wildfire (97.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Pinole city, CA show little to no average snow and around 24.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 927 for ZIP 94564 (Pinole city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.